---
schema_version: "secwatch.filing_event.v1"
accession: "0000350852-23-000101"
form_type: "8-K"
ticker: "CTBI"
cik: "0000350852"
company_name: "COMMUNITY TRUST BANCORP INC /KY/"
filed_at: "2023-10-18T23:59:59+00:00"
generated_at: "2026-06-09T22:05:18.046969+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Community Trust Q3 net income rises to $20.6M, EPS $1.15; dividend increases to $0.46/share

## Summary
- Net income $20.6M ($1.15 per diluted share) vs $19.4M ($1.08) in Q2 2023 and $19.4M ($1.08) in Q3 2022.
- Net interest margin 3.27%, down 8 bps QoQ and 9 bps YoY; net interest income $43.1M, flat QoQ.
- Loans grew $55.3M (5.6% annualized) to $4.0B; deposits up $114.8M (9.6% annualized) to $4.9B.
- Dividend declared $0.46 per share, up $0.02 from prior quarter, yielding 5.37% annualized on Sep 30 closing.
- Nonperforming loans $13.0M (up $1.3M QoQ); net charge-offs $1.2M (0.12% annualized) vs $0.7M in Q2.

## SEC filing metadata
- accession: 0000350852-23-000101
- form_type: 8-K
- ticker: CTBI
- cik: 0000350852
- company_name: COMMUNITY TRUST BANCORP INC /KY/
- filed_at: 2023-10-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/350852/000035085223000101/0000350852-23-000101-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/350852/000035085223000101/ctbi0923er8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000350852-23-000101
- JSON: https://secwatch.observer/filing/0000350852-23-000101.json
- Plain text: https://secwatch.observer/filing/0000350852-23-000101.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.